People stop going to work or work from home :telephone_receiver:

Families consolidate locations :house_buildings:

Use of public transport minimized :bus:

Fewer vehicle miles :blue_car:

**Major events cancelled**

**Fewer hotel stays** :hotel:

**Fewer flights and flight hours** :airplane:

Schools close intermittent, possibly rest of year :school:

MINUS

PLUS

Clinic and Hospital demand up

H/c labor shortages

**Disinfectant demand up**

**Testing kit demand**

Meds demand up for correlated health issues

Attempts at a vaccine

Preventative med demand up (immune)

Healthcare worker demand up

Patient quarters overbooked, new facilities constructed

Elderly deaths, estate turnover

Urban deaths, estate turnover

Enforcement Security?

Debt-laden companies default Ch11

Consumers and companies shift spend to substitutes

Industries most dependent on Asian imports run out of stock

Retailers run out of stock

**Significant corporate layoffs**

Suppliers tighten terms, scrutinize credit risk

Debt holders collect and place new restrictions on credit

**Hot money moves from Equity to Gold, Debt**

Govt fiscal stimulus, lower lending rates

Currency collapse in weakened economies